EP1149366A1 - Procede et dispositif de traitement d'instruments de monnaie fiduciaire - Google Patents

Procede et dispositif de traitement d'instruments de monnaie fiduciaire

Info

Publication number
EP1149366A1
EP1149366A1 EP00912342A EP00912342A EP1149366A1 EP 1149366 A1 EP1149366 A1 EP 1149366A1 EP 00912342 A EP00912342 A EP 00912342A EP 00912342 A EP00912342 A EP 00912342A EP 1149366 A1 EP1149366 A1 EP 1149366A1
Authority
EP
European Patent Office
Prior art keywords
payment
banknotes
value
memory
notes
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP00912342A
Other languages
German (de)
English (en)
Inventor
Hans-Günther VOSS
Heinz Ademmer
Martin LÖSER
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Wincor Nixdorf International GmbH
Original Assignee
Wincor Nixdorf GmbH and Co KG
Wincor Nixdorf International GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Wincor Nixdorf GmbH and Co KG, Wincor Nixdorf International GmbH filed Critical Wincor Nixdorf GmbH and Co KG
Publication of EP1149366A1 publication Critical patent/EP1149366A1/fr
Ceased legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07DHANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
    • G07D11/00Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
    • G07D11/20Controlling or monitoring the operation of devices; Data handling
    • G07D11/30Tracking or tracing valuable papers or cassettes

Definitions

  • the invention relates to a method and an arrangement for processing notes of value.
  • a cash receiving and dispensing machine is known, can be entered in the banknotes and can be kept safely after authenticity check and value determination.
  • the automated teller machine contains, among other things, a banknote acceptance point and a transport device for banknotes, a banknote checking and recognition device, an intermediate store and a plurality of storage units for the safe storage of the banknotes.
  • the known automated teller machine is only suitable for the detection and storage of banknotes.
  • EP 0 606 959 A2 describes a device for depositing deposit envelopes and individual documents, which has an input slot, a printing device for deposit information, a magnetic scanner device for scanning coded information on individual documents, a plurality of storage units for storing deposit envelopes and individual documents, and an imaging device for the creation of an image of a single document is equipped.
  • This device is not intended for the receipt of banknotes.
  • Another disadvantage is that only a single document can be entered at a time. It would take far too long to deposit a large number of payment forms, for example the daily income of a trading company. A long stay at an ATM is not desirable for security reasons.
  • a suitable automated teller machine would have to be used to enter cash.
  • the object of the invention is to provide a method which allows the processing of banknotes and monetary payment forms and to propose an arrangement for carrying out this method.
  • the invention makes it possible to process notes of different types, that is to say both banknotes and monetary forms of payment, for example checks or credit notes, in a single automated teller machine equipped with a deposit function.
  • the inlet A large number of banknotes and payment forms, for example the daily income of a trading company, can thus be supplied with one input process if the automated teller machine is designed for processing mixed stacks of banknotes, or else in two successive input processes for banknotes and payment forms.
  • a security flap in front of the input compartment means that the notes of value inserted therein are inaccessible, so that the security expectations of the seller are met.
  • the method according to the invention therefore begins with the insertion of notes of value into the input compartment.
  • This can be either a single copy or a stack of banknotes or monetary forms of payment. Since banknotes and monetary forms of payment are treated differently, as will be described further below, a control criterion is set for an electronic processing device depending on the type of the banknotes to be processed. In the simplest case, this setting can be made before the first note is removed from the input compartment by pressing a selector switch.
  • control criterion is set after a note has been removed from the input compartment and with the aid of a sensor which can at least distinguish between banknotes and other sheet material.
  • an image of each payment form that is countered during the input process is displayed on a display device.
  • information printed and / or written on the payment form is converted into IT-processable information data with the aid of a character recognition method and this is displayed in plain text in a partial area of the display device.
  • the information printed and / or written on the payment form is transmitted from the viewing device to the aforementioned partial area of the viewing device with the aid of keyboard inputs and is mapped there.
  • the information recorded according to one of the alternative developments and clearly written in the sub-area can, if necessary, be corrected with the aid of keyboard inputs and then their agreement with the information printed and / or written on the payment form can be confirmed.
  • the consignor Since the amount mentioned on the payment forms is checked by the consignor, corrected if necessary and confirmed as correct, he can immediately be transferred to the Consignor can be credited. It goes without saying that the credit note is subject to the cash payment form being redeemed. This is usual anyway when depositing checks at the bank counter, for example.
  • the number of the beneficiary account was made known to the automated teller machine at the beginning of the posting process in a known manner by inserting a chip or magnetic strip card into a card reader of the automated teller machine.
  • the financial institution is protected against error and attempted fraud by knowing the supplier's account and confirming it.
  • the image of each payment form can be printed on a payment receipt alone or together with the information shown in the sub-area of the display device and made available to the vendor in an additional procedural step.
  • the payment forms are transported to a secure storage unit. Before or during the transport of the payment form there, according to a further development of the invention, it is printed with a cancellation information so that it cannot be presented again without being noticed.
  • An arrangement suitable for carrying out the method comprises an input compartment which can be closed by a closure flap and a transport path for banknotes connected to it, a bank note checking and detection device arranged on the transport path, an image capture station arranged on the transport path with a video camera for the image recording of payment forms, and one Image memory for storing the video image data of a number Form, one of the bank note checking and detection device and the image capture station intermediate storage for bills, at least one storage memory for bills, a transmitter for a control criterion representing a bill type and a value store at least for the nominal value of a recognized bank note.
  • a switch is arranged in the transport path, which connects the intermediate store with the input compartment or an output compartment in a first position and the intermediate store with the at least one storage store in a second position.
  • the switch In its first position, the switch allows the notes of value removed from the input compartment to be introduced into the intermediate store and to be transported back, for example after a delivery operation has been terminated, into the input compartment or the additional output compartment.
  • the second position of the switch after a posting process has been completed, the temporarily stored notes of value are directed into the storage area or stores, where they are safely stored.
  • the bank note checking and detection device is arranged in front of the image capture station and a negative bank note detection signal, i.e. a signal with the content "the sheet material passing through is not a banknote" serves as an activation signal for the image capture station.
  • the video camera is arranged in the bank note checking and detection device. It creates this by everyone current value a portrait.
  • the video image data of a counterfeit note are only stored in the image memory in the event of a negative banknote detection signal. Since it is clear whether the banknote is just a few millimeters after advancing the scanning relative to the sheet material, the relevant part of the image data can be saved in real time.
  • the arrangement is equipped with a display device for displaying a payment form based on the video image data and a keyboard for recording or correcting and confirming the correctness of information taken from the display of the payment form on the display device.
  • the arrangement may include a keyboard and / or a card reader for entering an account number in an account-keeping computer.
  • the image capture station includes a video camera. This can be designed as a full-frame camera. However, since the payment form is moved through the image capture station, the video camera can also be designed as a line camera, without this requiring additional work for a line-by-line advance of the payment form relative to the video camera.
  • FIG. 1 shows the parts of an automated teller machine equipped for processing notes of value in a schematic representation
  • Fig. 2 is a block diagram of the arrangement shown in Fig. 1.
  • FIG. 1 An automated teller machine 10 equipped for processing notes of value is shown schematically in FIG. 1.
  • An opening 16 which can be closed by a closure flap 14 and behind which there is an input compartment 18 for banknotes 20, is embedded in a device wall 12 facing a supplier of banknotes.
  • banknotes or monetary payment forms such as Trade checks or payment credits.
  • a transport path 22 for the banknotes 20 with partial sections 22a, 22b and 22c adjoins the input compartment 18.
  • the first section 22a extends from the input compartment 18 through a banknote checking and detection device 24 and an adjoining image capture station 26 to a switch 28.
  • the second section 22b leads from the switch 28 to an intermediate storage 30 and the third section 22c from the switch 28 into a secure container 32, in which a banknote store 34 and a payment form store 36 are accommodated.
  • the number of memories is to be understood as an example: a separate memory can also be provided for each banknote value, for checks and payment guarantee documents, or a single memory for all notes of value.
  • a printing station 38 or 38 'for printing cancellation information on a received payment form is optionally arranged on the section 22b or 22c of the transport path 22.
  • FIG. 2 shows a block diagram of the electrical part of the automated teller machine 10.
  • This includes an electronic processing tion device designated 60.
  • the bank note checking and recognition device 24, the image capture station 26 with a video camera 27, the printing station 38, a viewing device 62, an alphanumeric keyboard 64, a card reader 66 for chip or magnetic stripe cards, a receipt printer 68 and a selector switch 70 are attached to these connected with which a control criterion can be set with regard to the type of the bank notes 20 to be processed.
  • the processing device 60 controls the drives (not shown in FIG. 1) for the closure flap 14, the transport path 22, the switch 28, the intermediate store 30 and the stores 34, 36.
  • the processing device 60 is a value store 72 for storing, among other things, the nominal values Received banknotes, an image memory for storing the image data supplied by the video camera 27 and a character recognition device 76 for converting information printed and / or written on a payment form into information data which can be processed by DV. These are also stored in the value memory 72. Finally, the processing device 60 is also connected via a remote data connection 78 to an account-maintaining computer 80.
  • the deliverer inserts his customer card into the card reader 66 and uses the selector switch 70 to determine the operating mode of the automated teller machine 10, in the present example the delivery of banknotes or payment credits.
  • the processing device 60 then opens the closure flap 14, the consignor now places his valuable notes 20 in the input compartment 18 and actuates a command key “Start processing”
  • the flap 14 is closed and the bank notes 20 are pulled out one after the other from the input compartment 18.
  • An input / output unit for bank notes which also contains a withdrawal device, is described in WO 97/13225 A1.
  • the notes of value 20 are introduced into the first section 22a of the transport path and are first passed through the banknote checking and detection device 24 and then through the image capture station 26. If the operating mode "deliver banknotes" was set with the selector switch 70, the banknote checking and recognition device 24 checks the authenticity of the banknote passing through and determines its nominal value. This is stored in the value memory 72. If the mode of operation "deliver payment form" was set with the selector switch 70, the video camera 27 installed in the image capture station 26 counteracts the continuous payment form and stores the video data representing the picture in the image memory 74.
  • the notes of value 20 then arrive in the intermediate store 30 via the appropriately set switch 28, where they are stored until the end of the delivery process. If the delivery process was interrupted, the notes of value stored in the intermediate storage 30 are transported via the transport path 22b, 22a to an output compartment, not shown, which is also described in WO 97/13225 A1. If the delivery process was properly ended, the section 22b of the transport route is connected to the section 22c and thus the intermediate storage 30 to the banknote storage 34 or the payment form storage 36. The stored in the buffer 30 Secured notes of value 20 are then conveyed into the corresponding memories 34, 36.
  • the video data stored in the image memory 74 representing the profile of the payment forms are fed to the character recognition device 76 and searched therein for printed and / or written information. These are converted into digital data and at least the monetary value noted on the payment form is stored in the value store 72.
  • the character recognition device 76 can be implemented as an independent device or in software in the processing device 60.
  • the image of the payment forms is shown on the basis of the video data stored in the image memory 74 in a first section of the display device 62 and the information recognized by the character recognition device 76 in a second section of the display device 62. If, owing to the poor image quality of the payment form, the character recognition device 76 does not provide any or incorrect information or if a character recognition device is not provided in the automated teller machine, the information printed and / or written on the payment form can be read by the display device 62 and entered using the keyboard 64 in the the above-mentioned sub-area of the display device is transferred and displayed there. In addition, the clear-written information shown in the partial area can be corrected using the keyboard 64.
  • the information displayed in the second partial area of the display device 62 must match the information on the payment form. printed and / or written information can be confirmed by keyboard input. After completion of a posting process, the content of the value store 72 together with the number of the account to be favored is transmitted to the account-holding computer 80 via the remote data connection 78.
  • each payment form is printed on a payment receipt alone or together with the information displayed in the second partial area of the viewing device 62 with the help of the receipt printer 68 and made available to a seller.
  • a received payment form is provided with a cancellation stamp before being stored in the payment form memory 36 in the printing station 38. If it is not possible to return a payment form stored in the intermediate storage 30, the printing station can be arranged on the section 22a or 22b of the transport path 22. Otherwise, the printing station is arranged on the section 22c of the transport path 22, as shown in dashed lines at 38 '.
  • the payment forms are then canceled during the transport from the intermediate storage 30 into the payment form storage 36. This ensures that an unregistered payment form retains its value.

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Procédé et dispositif de traitement d'instruments de monnaie fiduciaire (20) tels que des billets de banque ou des titres de paiement monétaires dans un guichet bancaire automatique (10). Selon ledit procédé, les instruments de monnaie fiduciaire (20) sont introduits dans un compartiment d'alimentation (18), un critère de commande est réglé selon le type des instruments (20) à traiter, les instruments de monnaie fiduciaire (20) sont transportés l'un après l'autre du compartiment d'alimentation (18), en passant par un dispositif de détection (23, 24) d'instruments de monnaie fiduciaire, à une unité de stockage intermédiaire (30), la valeur nominale des billets de banque est mise en mémoire dans une mémoire de stockage des valeurs, une image des titres de paiement monétaires est prise et les données d'image sont mises en mémoire dans une mémoire de stockage d'images, et les instruments de monnaie fiduciaire (20) sont déposés dans au moins une unité de stockage sûre (34, 36) après avoir été livrés par l'unité de stockage intermédiaire (30).
EP00912342A 1999-02-04 2000-02-02 Procede et dispositif de traitement d'instruments de monnaie fiduciaire Ceased EP1149366A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
DE19904536A DE19904536A1 (de) 1999-02-04 1999-02-04 Verfahren und Anordnung zur Bearbeitung von Wertscheinen
DE19904536 1999-02-04
PCT/DE2000/000319 WO2000046764A1 (fr) 1999-02-04 2000-02-02 Procede et dispositif de traitement d'instruments de monnaie fiduciaire

Publications (1)

Publication Number Publication Date
EP1149366A1 true EP1149366A1 (fr) 2001-10-31

Family

ID=7896434

Family Applications (1)

Application Number Title Priority Date Filing Date
EP00912342A Ceased EP1149366A1 (fr) 1999-02-04 2000-02-02 Procede et dispositif de traitement d'instruments de monnaie fiduciaire

Country Status (4)

Country Link
US (1) US6755340B1 (fr)
EP (1) EP1149366A1 (fr)
DE (1) DE19904536A1 (fr)
WO (1) WO2000046764A1 (fr)

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Also Published As

Publication number Publication date
US6755340B1 (en) 2004-06-29
DE19904536A1 (de) 2000-08-17
WO2000046764A1 (fr) 2000-08-10

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